These Common Backyard Features Could Void Your Home Insurance
Home insurance helps protect your biggest investment. But what many homeowners don't realize is that some backyard features, even ones that seem harmless, can actually put your policy at risk. Insurance companies look closely at potential hazards, and if they find certain items on your property, they may deny coverage, cancel your policy, or refuse to pay a claim. Here are five common backyard features that might cause problems, and what you can do about them.
Trampolines
Trampolines are a major red flag for many insurance providers. They're considered "attractive nuisances," especially to kids, and come with a high risk of injury. Some policies exclude them entirely, while others require safety measures like netting or fencing. If someone gets hurt using it, whether they were invited or not, you could be held responsible. Always check with your insurer before installing one, and take precautions to reduce liability.
Swimming Pools
Pools may seem like a luxury, but to insurers, they're a liability magnet. From slips and falls to drownings, the risks are many and deadly serious. Many insurance companies require a locking fence, pool cover, or alarm system to reduce those dangers. If your pool isn’t properly secured, it could not only void your policy but also lead to legal trouble if there’s an accident. If you’re planning to install a pool, let your insurer know first.
Fire Pits
A cozy fire pit can turn into a serious fire hazard without proper care. If a fire spreads to a neighbor's yard or damages your home, and the pit wasn’t installed or used safely, your insurance may not cover the damage. Portable fire pits can be just as risky too. Some policies have limits on open flames or require a safe distance from structures. Use fireproof surfaces, keep water nearby, and never, ever, leave a fire unattended.
Treehouses
Treehouses might be charming, but they raise tons of safety concerns for insurers. If a child falls, you could face both a lawsuit and an uncovered claim. The height, structure, and materials matter, and many insurers will exclude treehouse-related injuries or damage unless strict safety codes are followed. If you're thinking of building one, check zoning laws and talk to your insurance agent. Better to be cautious now than face a denied claim later.
DIY Decks or Sheds
Building your own deck or shed without a permit or professional help may save money, but it could void your coverage. Insurance policies often require that structures meet local building codes. If something collapses or causes an injury, and it wasn't properly inspected or permitted, your provider might not pay out. Always follow regulations, keep receipts, and document the work. Cutting corners with construction just isn’t worth the risk.
It's easy to forget how everyday backyard features can impact your home insurance. While you want your outdoor space to be enjoyable, it also needs to be safe (and compliant with your insurance policy). Before adding anything new or making changes, talk to your insurance company. It’s better to know the risks ahead of time than to find out too late that you’re not covered.